Rupert Nicolay – Medium

Rupert Nicolay

New Opportunities with Automation & AI in KYC & Compliance

Financial institutions are faced with complex and ever evolving customer-related compliance asks — including Know Your Customer (KYC)…

6 min readDec 19, 2023

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New Opportunities with Automation & AI in KYC & Compliance

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Rupert Nicolay

Eliminate Silos to Optimize Financial Crime Management

In the US, the cost of anti money laundering (“AML”) compliance is estimated at $23.5 billion per year. European banks come close with an…

8 min readFeb 2, 2021

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Eliminate Silos to Optimize Financial Crime Management

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Rupert Nicolay
in
The Startup

Collaborating to Win the Fight Against Financial Crime

Managing ever evolving financial crime threats and meeting associated compliance requirements is operationally demanding and costly for…

7 min readJul 19, 2020

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Collaborating to Win the Fight Against Financial Crime

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Rupert Nicolay

How Financial Services Firms can Lead in Retail Partnerships

Leading financial services organizations have seen the value in curating an ecosystem of financial services delivered by themselves and…

5 min readApr 11, 2020

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How Financial Services Firms can Lead in Retail Partnerships

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Rupert Nicolay

Data Hubs — a New Weapon Against Fraud

For financial services firms, fraud is not just a cost and a regulatory concern: each false positive or false negative also represents a…

6 min readJan 3, 2020

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Data Hubs — a New Weapon Against Fraud

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Rupert Nicolay

Secure Customer Experiences —Authentication & More

Authentication and security aimed at preventing account takeover, card fraud and more are often top of mind for financial services…

4 min readAug 20, 2019

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Secure Customer Experiences —Authentication & More

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Rupert Nicolay
in
DataDrivenInvestor

How Usage Based Insurance is implemented today

Leveraging usage and behavioural data in insurance product design has become commonplace in some markets — particularly in vehicle…

5 min readMay 8, 2019

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How Usage Based Insurance is implemented today

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Rupert Nicolay

Transform your Credit Collections before Winter Comes

Loan default prediction and collections aren’t always showcased at the leading edge of digital transformation. Nevertheless, efficiency in…

3 min readMar 28, 2019

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Transform your Credit Collections before Winter Comes

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Rupert Nicolay

Ways we Pay — Un Update on Payment Solutions

Payments mechanisms for individuals — between each other and to merchants — are evolving fast worldwide. Solutions are often difficult to…

7 min readMar 3, 2019

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Ways we Pay — Un Update on Payment Solutions

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Rupert Nicolay
in
DataDrivenInvestor

Decisions, Decisions! Fintechs Disrupting Credit Decision Making

For some years, particularly in emerging markets, fintechs have emerged that perform credit scoring based on new types of models. Many aim…

6 min readFeb 24, 2019

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Decisions, Decisions! Fintechs Disrupting Credit Decision Making

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Rupert Nicolay

Rupert Nicolay

In my role at Microsoft I define blueprints for what our Services teams worldwide do to help our Financial Services customers achieve more. Views are my own.

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